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MainStreet Bancshares
(NASDAQ:MNSB)
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Rating:74Outperform
Price Target:
$27.00
▲(15.14% Upside)
Action:Upgraded
Date:08/08/26
The score is driven primarily by improved financial performance (profitability and cash flow recovery with moderate leverage) and a strong earnings-call setup (margin expansion, robust liquidity, and accretive buybacks with constructive guidance). Valuation is supportive at a mid-teens-to-low-teens earnings multiple with a modest yield, while technicals are only mildly positive due to mixed momentum indicators.
Positive Factors
Profitability & Cash Generation
The company returned to positive reported earnings (TTM net income $17.3M) with materially stronger free cash flow ($24.3M) and FCF roughly tracking net income. This durable cash generation improves ability to fund lending, capital returns, and loss absorption without recurring reliance on wholesale financing.
Negative Factors
Top-line Stagnation
Revenue has softened year-over-year and TTM top-line trends are slightly negative, constraining operating leverage. Limited top-line growth reduces room to expand operating margins and may slow the pace at which balance-sheet scale and profitability improvements materialize over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability & Cash Generation
The company returned to positive reported earnings (TTM net income $17.3M) with materially stronger free cash flow ($24.3M) and FCF roughly tracking net income. This durable cash generation improves ability to fund lending, capital returns, and loss absorption without recurring reliance on wholesale financing.
Read all positive factors
MainStreet Bancshares Key Performance Indicators (KPIs)
Any
Loan Portfolio Breakdown
Analyzes the composition of the company's loan portfolio, highlighting areas of lending focus and potential risk exposure. This insight helps assess credit risk management and growth opportunities in different lending segments.
Analyzes the composition of the company's loan portfolio, highlighting areas of lending focus and potential risk exposure. This insight helps assess credit risk management and growth opportunities in different lending segments.
Data provided by:
The Fly
The FlyMainStreet Bancshares (MNSB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$164.13M
Dividend Yield1.73%
Average Volume (3M)31.87K
Price to Earnings (P/E)11.4
Beta (1Y)0.58
Revenue Growth-6.41%
EPS GrowthN/A
CountryUS
Employees166
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.03
Shares Outstanding7,117,438
10 Day Avg. Volume21,887
30 Day Avg. Volume31,869
Financial Highlights & Ratios
PEG Ratio-0.06
Price to Book (P/B)0.71
Price to Sales (P/S)1.15
P/FCF Ratio14.65
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.26
Revenue Forecast (FY)$85.70M
MainStreet Bancshares Business Overview & Revenue Model
Company Description
MainStreet Bancshares, Inc. operates as the parent entity for MainStreet Bank, which delivers a comprehensive suite of financial products and services. Its diverse offerings cater to individuals, small to mid-sized businesses, and professional ser...
How the Company Makes Money
MainStreet Bancshares primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is produced by collecting interest on loans and other interest-earning assets (such as...
MainStreet Bancshares Earnings Call Summary
Earnings Call Date:Apr 20, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Oct 20, 2026
Earnings Call Sentiment Positive
The call emphasized multiple operational and financial positives: EPS accretion, NII growth (+5%), margin expansion, strengthened liquidity (+$76M to $663M) and low net charge-offs ($259k). Management also highlighted targeted loan growth (3%–5%), successful deposit optimization (64 bps reduction in funding cost) and an accretive buyback program. Lowlights were largely manageable or one-time in nature—an OREO loss ($685k), higher modeled stress losses ($69.5M worst-case), modest classified/nonaccrual ratios (~3%), continued competitive funding pressures, and some NIM volatility from nonrecurring interest items. On balance the positives around margin stability, liquidity, capital strength (post-stress CET1 11%) and accretive capital deployment outweigh the challenges.Positive Updates
Earnings Per Share and Net Interest Income Growth
Reported EPS increased to $0.48 in Q1 2026, driven in part by a 5% increase in net interest income (after credit provision) and disciplined share repurchases.
Negative Updates
One-time OREO Disposition Loss
Results include a nonrecurring $685,000 loss on an other real estate owned disposition which negatively impacted the quarter's earnings.
Read all updates
Q1-2026 Updates
Positive
Negative
Earnings Per Share and Net Interest Income Growth
Reported EPS increased to $0.48 in Q1 2026, driven in part by a 5% increase in net interest income (after credit provision) and disciplined share repurchases.
Read all positive updates
Company Guidance
Management guided toward continued margin and earnings improvement, citing Q1 EPS of $0.48, net interest income up 5% (after credit provision), a reported NIM of 3.47% and core NIM of 3.54% (5‑quarter reported average 3.50%), ROAA 0.76% and ROTCE 7.58%; results included a $685k one‑time OREO loss. They emphasized strong liquidity and funding flexibility — secured available lines rose $76M to $663M (covering >42% of deposits), time deposits have 87% scheduled to reprice ratably over 12 months, interest‑bearing deposits are 42% of the portfolio with yield down 79 bps over the past year, overall funding cost down 64 bps over five quarters and a 67% funding beta through the 75‑bp Fed easing. Loan growth is guided to 3–5% for 2026; credit metrics include net charge‑offs of $259k, portfolio mix (30% non‑owner OCC CRE, 25% owner‑occupied CRE — up ~$80M YoY, 16% construction, 13% multifamily, 11% residential, 5% C&I), classified loans 3.09%, nonaccruals 2.88%, OREO 0.06%, a worst‑case stress loss estimate of $69.5M with post‑stress CET1 at 11%, and capital actions included repurchasing >482k shares over two quarters for $0.30 per‑share accretion while the stock traded at 87% of tangible book value.MainStreet Bancshares Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
76
Positive
Cash Flow
79
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 130.82M | 135.89M | 137.87M | 127.76M | 88.68M | 70.31M |
| Gross Profit | 72.22M | 73.92M | 59.06M | 78.44M | 72.91M | 60.82M |
| EBITDA | 25.37M | 24.03M | -9.27M | 35.57M | 35.97M | 30.32M |
| Net Income | 17.34M | 15.61M | -9.98M | 26.59M | 26.67M | 22.17M |
Balance Sheet | ||||||
| Total Assets | 2.24B | 2.21B | 2.23B | 2.04B | 1.93B | 1.65B |
| Cash, Cash Equivalents and Short-Term Investments | 30.13M | 26.85M | 48.92M | 113.51M | 111.56M | 161.74M |
| Total Debt | 70.10M | 69.94M | 73.04M | 87.64M | 172.25M | 29.29M |
| Total Liabilities | 2.03B | 1.99B | 2.02B | 1.81B | 1.73B | 1.46B |
| Stockholders Equity | 214.44M | 218.59M | 207.99M | 221.52M | 198.28M | 188.79M |
Cash Flow | ||||||
| Free Cash Flow | 24.27M | 10.64M | 8.95M | 25.63M | 25.76M | 24.82M |
| Operating Cash Flow | 24.73M | 14.81M | 14.74M | 31.63M | 33.54M | 29.12M |
| Investing Cash Flow | -148.69M | -38.38M | -122.28M | -130.75M | -228.74M | -29.25M |
| Financing Cash Flow | 111.30M | -21.38M | 200.73M | 83.03M | 232.59M | -14.20M |
MainStreet Bancshares Risk Analysis
MainStreet Bancshares disclosed 45 risk factors in its most recent earnings report. MainStreet Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
MainStreet Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $211.71M | 11.44 | 13.40% | 2.04% | 10.99% | 40.36% | |
75 Outperform | $191.10M | 9.36 | 12.49% | 2.60% | 3.43% | 22.98% | |
74 Outperform | $164.13M | 11.36 | 8.00% | 1.71% | -6.41% | ― | |
68 Neutral | $231.52M | 12.18 | 7.72% | 1.05% | -0.38% | 4.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $177.86M | 13.51 | 7.07% | ― | 3.34% | 48.38% | |
58 Neutral | $212.17M | 16.79 | 6.77% | 0.89% | 0.77% | 5.81% |
* Financial Sector Average
MNSB
MainStreet Bancshares
24.10
4.05
20.22%
CFBK
CF Bankshares
35.97
11.50
47.00%
CZWI
Citizens Community Bancorp
20.91
6.04
40.63%
FCAP
First Capital
64.09
28.99
82.57%
LARK
Landmark Bancorp
31.98
8.45
35.91%
BVFL
BV Financial, Inc.
21.43
5.97
38.62%
MainStreet Bancshares Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
MainStreet Bancshares Declares Performance-Based Cash Dividend
Positive
Jul 21, 2026
On July 21, 2026, MainStreet Bancshares, Inc. announced a $0.10 per share cash dividend to its common shareholders, with payment scheduled for August 11, 2026, to shareholders of record as of August 4, 2026. The company emphasized that any future ...
Business Operations and StrategyStock BuybackFinancial Disclosures
MainStreet Bancshares Reports Strong Second Quarter Results
Positive
Jul 20, 2026
MainStreet Bancshares, Inc., the financial holding company for technology-forward community lender MainStreet Bank, serves business and professional clients through seven branches in Northern Virginia and Washington, D.C., extensive ATM access, an...
Business Operations and StrategyFinancial Disclosures
MainStreet Bancshares Schedules Q2 2026 Earnings Webcast
Positive
Jul 6, 2026
On July 6, 2026, MainStreet Bancshares, Inc. announced plans to hold a virtual webcast and quarterly earnings conference call on Monday, July 20, 2026, at 2:00 p.m. Eastern Time. During this event, the company will review its second quarter 2026 r...
Business Operations and StrategyStock Buyback
MainStreet Bancshares Highlights Ongoing Second-Quarter Share Repurchases
Positive
May 26, 2026
On May 26, 2026, MainStreet Bancshares, Inc., the holding company for MainStreet Bank, reported that since the beginning of the second quarter it has repurchased 207,000 shares of its common stock at an average price of $24.09 per share under its ...
DividendsShareholder Meetings
MainStreet Bancshares Declares Quarterly Preferred Stock Dividend
Positive
May 22, 2026
At MainStreet Bancshares’ annual meeting of shareholders held on May 21, 2026, investors re-elected four directors to three-year terms, ratified the appointment of Yount, Hyde Barbour, P.C. as the independent auditor for fiscal 2026, and ap...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.